Gas & Electricity

What supports are available to those struggling to pay their energy bills?

Daragh Cassidy
Head Writer

There are plenty of ways you can get help if you’re struggling to pay your energy bills, such as applying for support from the Department of Social Protection or engaging with your energy supplier to arrange a payment plan.

Even in so-called normal times, people can encounter difficulties paying their energy bills. But with gas and electricity prices at record highs, more people than usual might be struggling.  

However, there are plenty of supports and services available to help people.

In this guide, we take a look at the options available to energy customers who are having trouble paying their household energy bills.


In recent years the energy regulator the Commission for Regulation of Utilities (CRU) has placed a temporary ban or moratorium on energy disconnections during the winter months. 

For the 2022/23 winter this ban was due to run from 1st December until 28th February but it was then extended until the end of March. 

As the name suggests, during this period a household cannot have their gas or electricity disconnected for whatever reason.

Despite this, we would still encourage anyone who is struggling to pay their energy bills to seek assistance and not shore up problems for when the ban comes to an end. And this is what the rest of this guide aims to help you with.  

Social Welfare supports

The Department of Social Protection pays out a number of supports that help people pay their energy bills.

Free electricity allowance or the natural gas allowance

The main support falls under the Household Benefits Package (HBP). 

Those eligible can receive either the electricity allowance or the natural gas allowance. Both payments are €35 per month or €1.15 per day, which is paid directly into your bank account. 

The HBP isn't means tested but in order to get it you must be aged 70 or over. However, if you’re under 70 years of age you may still qualify if you are getting a qualifying social welfare payment.

Winter fuel allowance

Another key support available for people is the winter fuel allowance. This is a means-tested payment that comes under the National Fuel Scheme and those who qualify receive a weekly payment of €33.

The winter fuel allowance season usually starts around September and lasts for 28 weeks. To find out more and whether you’re entitled to the payment see our guide here for more.

Additional Needs Payment

You may also be entitled to a once-off Additional Needs Payment (ANP) for help with paying your bills, such as gas and electricity.

This is a single payment to help with an essential, once-off cost that you cannot pay out of your income and is part of the Supplementary Welfare Allowance Scheme. It is also a means-tested payment.

Chat to your supplier

Energy suppliers offer a range of support systems to help you if you're having trouble paying your bills.

By law, no supplier is allowed disconnect a customer as long as they are engaging constructively with their supplier. The last thing a supplier wants to do is disconnect you and this is only ever carried out as a last resort.

In addition the CRU requires suppliers to:

  • Have trained staff in place to help customers
  • Arrange an alternative payment plan for you, especially if you’re in arrears or have built up debt
  • Adhere to the voluntary Energy Engage Code which requires suppliers to take a number of actions to ensure their customers at risk of disconnection remain connected to their supply

Some suppliers such as Electric Ireland have set up hardship funds or have chosen to forgo some of their profits to provide financial support to those who are struggling.

In short, if you’re at risk of disconnection, or if you feel your debt is becoming a problem, the most important thing to do is to engage with your supplier as soon as possible. This way you can find a solution that works for both of you.

You can find the contact information for the energy suppliers in Ireland and information on the Energy Engage Code here

Money Advice and Budgeting Service (MABS)

One of the most accessible and helpful advice services for customers having trouble with their finances is the Money Advice and Budgeting Service, or MABS.

MABS is an independent service that’s free for all members of the public to use, and is especially helpful if you’re having trouble with your energy bills. So, if you feel your debts are in danger of becoming a problem, it can help.

All you have to do is call its helpline on 0818 07 2000 Monday to Friday from 9am to 8pm for money and budgeting advice, or see its website for more.

Saint Vincent De Paul

If you haven’t already reached out to your supplier to set up a payment plan, it may also be worthwhile contacting the Society of St. Vincent De Paul (SVP). The charity is a great resource for helping people who are struggling with their energy costs to come up with a workable plan.

SVP also works closely with all energy suppliers, as well as MABS, to help struggling families pay their energy bills on a daily basis, so reach out to see how they can help.

The Government's energy credit

In the 2023 Budget, the Government announced that a €600 energy credit would be credited to all households’ electricity accounts. 

This credit will be divided into three instalments of €200. The first two instalments of the credit were made in November 2022 and January 2023, while the final instalment is due to be made in March.

As the credit is not means-tested, all households nationwide will receive it. Those who are looking to donate some or all of their credit can do so under the "Share the Warmth" charity initiative. The donated credit will be given to the charity St Vincent de Paul to help support families who will be struggling to keep their homes heated and their lights on during the winter.

You can learn more about the Government’s electricity credit here.

Switch your energy supplier

It may not be possible for everyone, but one of the best ways to make sure you’re not overpaying for your gas and electricity is to switch energy suppliers annually.

By switching suppliers, you will be able to avail of the new customer discounts that are offered by the suppliers. These discounts can range between 5-10%, and can help you save hundreds on your bills. 

However, once your first year or contracted period is finished, your discount will end and you’ll be moved on to the suppliers’ more expensive standard rates. Before this happens, you should look at switching suppliers again to avail of the best energy prices on the market.

The easiest way to do this is by running a comparison and then switching on by using our energy comparison service here.

For more information on the comparison and switching process, make sure you take a look at our guide on how to get cheaper energy bills.

More savings tips

If you’re looking for more saving tips, check out our other helpful articles:

Keep an eye on our blogs and guides pages for more saving tips and helpful suggestions.

Need any help?

If you have any questions about the supports outlined in this guide, don’t hesitate to contact us.

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